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Citicorp Trust Delaware, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8972%3,291
Cost of funding earning assets0.0000%4,397
Net interest margin4.8972%355
Noninterest income to average assets41.8700%60
Noninterest expense to average assets35.9356%56
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets7.5080%51
Return on assets (ROA)7.5080%52
Pretax return on assets9.5133%53
Return on Equity (ROE)8.0100%2,860
Retained earnings to average equity (ytd only)8.0074%1,685
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio79.0681%1,005
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.0000%4,373
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets0.0000%4,354
Net loans and leases to deposits0.0000%4,363
Net loans and leases to core deposits0.0000%4,352
Total domestic deposits to total assets0.0000%4,428
Equity capital to assets93.5907%68
Core capital (leverage) ratio92.8145%32
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio478.0725%11
Memoranda:
Average total assets$24,933,5004,370
Average earning assets$18,214,5004,365
Average equity$23,378,5002,801
Average total loans$04,354
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9131%1,422
Cost of funding earning assets0.0000%4,414
Net interest margin5.9131%123
Noninterest income to average assets44.4100%61
Noninterest expense to average assets37.3027%56
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets8.4478%48
Return on assets (ROA)8.4478%49
Pretax return on assets11.4803%48
Return on Equity (ROE)8.9900%2,467
Retained earnings to average equity (ytd only)2.9407%3,067
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio76.4667%1,319
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*67.2753%912
Condition Ratios (%)
Loss allowance to loans0.0000%4,399
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets0.0000%4,378
Net loans and leases to deposits0.0000%4,387
Net loans and leases to core deposits0.0000%4,400
Total domestic deposits to total assets0.0000%4,451
Equity capital to assets93.9403%68
Core capital (leverage) ratio90.8074%31
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio480.1867%10
Memoranda:
Average total assets$24,633,6004,399
Average earning assets$18,213,8004,389
Average equity$23,158,0002,755
Average total loans$04,379
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1565%1,046
Cost of funding earning assets0.0000%4,453
Net interest margin6.1565%95
Noninterest income to average assets43.5000%58
Noninterest expense to average assets38.8799%54
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets6.4141%60
Return on assets (ROA)6.4141%62
Pretax return on assets9.1746%56
Return on Equity (ROE)6.8200%3,081
Retained earnings to average equity (ytd only)6.8216%1,803
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio80.9079%1,022
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans0.0000%4,432
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets0.0000%4,409
Net loans and leases to deposits0.0000%4,418
Net loans and leases to core deposits0.0000%4,405
Total domestic deposits to total assets0.0000%4,481
Equity capital to assets94.9665%62
Core capital (leverage) ratio92.5590%35
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio485.3128%7
Memoranda:
Average total assets$24,632,5004,427
Average earning assets$18,213,2504,420
Average equity$23,161,2502,744
Average total loans$04,410
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2595%855
Cost of funding earning assets0.0000%4,464
Net interest margin6.2595%86
Noninterest income to average assets46.0900%55
Noninterest expense to average assets39.0562%56
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets7.9710%49
Return on assets (ROA)7.9710%50
Pretax return on assets11.6794%49
Return on Equity (ROE)8.5100%2,591
Retained earnings to average equity (ytd only)8.5061%1,228
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio76.9799%1,375
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans0.0000%4,450
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets0.0000%4,430
Net loans and leases to deposits0.0000%4,441
Net loans and leases to core deposits0.0000%4,455
Total domestic deposits to total assets0.0000%4,501
Equity capital to assets93.1076%71
Core capital (leverage) ratio92.9452%33
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio475.6795%14
Memoranda:
Average total assets$24,539,0004,450
Average earning assets$18,212,3334,437
Average equity$22,995,3332,716
Average total loans$04,430
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4135%639
Cost of funding earning assets0.0000%4,491
Net interest margin6.4135%88
Noninterest income to average assets48.4300%52
Noninterest expense to average assets40.8837%56
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets9.7791%44
Return on assets (ROA)9.7791%44
Pretax return on assets12.3725%46
Return on Equity (ROE)10.4000%2,008
Retained earnings to average equity (ytd only)10.4008%1,024
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio76.7680%1,477
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans0.0000%4,440
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets0.0000%4,458
Net loans and leases to deposits0.0000%4,457
Net loans and leases to core deposits0.0000%4,479
Total domestic deposits to total assets0.0000%4,526
Equity capital to assets94.0351%69
Core capital (leverage) ratio93.1615%34
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio480.7003%10
Memoranda:
Average total assets$24,215,0004,483
Average earning assets$18,211,5004,465
Average equity$22,767,5002,746
Average total loans$04,458
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9475%680
Cost of funding earning assets0.0000%4,519
Net interest margin5.9475%116
Noninterest income to average assets47.0800%54
Noninterest expense to average assets43.0192%47
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets6.4057%56
Return on assets (ROA)6.4057%57
Pretax return on assets8.5231%56
Return on Equity (ROE)6.8000%3,328
Retained earnings to average equity (ytd only)1.0499%3,825
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio83.4639%693
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*84.5659%480
Condition Ratios (%)
Loss allowance to loans0.0000%4,458
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets0.0000%4,475
Net loans and leases to deposits0.0000%4,474
Net loans and leases to core deposits0.0000%4,493
Total domestic deposits to total assets0.0000%4,545
Equity capital to assets94.0091%65
Core capital (leverage) ratio89.4653%36
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio480.7659%11
Memoranda:
Average total assets$24,275,2004,503
Average earning assets$18,209,2004,485
Average equity$22,860,0002,640
Average total loans$04,477
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8505%645
Cost of funding earning assets0.0000%4,547
Net interest margin5.8505%119
Noninterest income to average assets48.0400%50
Noninterest expense to average assets42.4859%47
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets7.4631%54
Return on assets (ROA)7.4631%54
Pretax return on assets9.9307%52
Return on Equity (ROE)7.9200%3,204
Retained earnings to average equity (ytd only)7.9218%1,999
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio81.0543%802
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.0000%4,482
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets0.0000%4,500
Net loans and leases to deposits0.0000%4,499
Net loans and leases to core deposits0.0000%4,490
Total domestic deposits to total assets0.0000%4,578
Equity capital to assets95.2829%63
Core capital (leverage) ratio92.3586%28
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio486.8551%11
Memoranda:
Average total assets$24,368,2504,531
Average earning assets$18,208,7504,514
Average equity$22,957,2502,625
Average total loans$04,502
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6347%702
Cost of funding earning assets0.0000%4,571
Net interest margin5.6347%152
Noninterest income to average assets50.3500%46
Noninterest expense to average assets42.2654%47
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets9.2584%45
Return on assets (ROA)9.2584%45
Pretax return on assets12.3198%43
Return on Equity (ROE)9.8700%2,745
Retained earnings to average equity (ytd only)9.8658%1,444
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio77.4301%1,050
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.0000%4,517
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets0.0000%4,533
Net loans and leases to deposits0.0000%4,532
Net loans and leases to core deposits0.0000%4,550
Total domestic deposits to total assets0.0000%4,600
Equity capital to assets93.2580%68
Core capital (leverage) ratio93.7033%31
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio476.4130%10
Memoranda:
Average total assets$24,237,3334,558
Average earning assets$18,208,6674,542
Average equity$22,745,3332,644
Average total loans$04,533
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4259%693
Cost of funding earning assets0.0000%4,615
Net interest margin5.4259%163
Noninterest income to average assets47.3000%51
Noninterest expense to average assets41.6151%51
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets7.3833%50
Return on assets (ROA)7.3833%51
Pretax return on assets9.8332%48
Return on Equity (ROE)7.8400%3,330
Retained earnings to average equity (ytd only)7.8419%2,265
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio80.8871%772
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.0000%4,580
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets0.0000%4,605
Net loans and leases to deposits0.0000%4,604
Net loans and leases to core deposits0.0000%4,587
Total domestic deposits to total assets0.0000%4,642
Equity capital to assets93.9142%23
Core capital (leverage) ratio93.3303%30
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio464.7191%13
Memoranda:
Average total assets$23,837,5004,618
Average earning assets$18,209,0004,609
Average equity$22,443,5002,686
Average total loans$04,605
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2845%4,569
Cost of funding earning assets0.0000%4,648
Net interest margin2.2845%4,438
Noninterest income to average assets46.3000%53
Noninterest expense to average assets38.7175%46
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets6.9394%54
Return on assets (ROA)6.9394%53
Pretax return on assets9.2328%50
Return on Equity (ROE)7.3300%3,559
Retained earnings to average equity (ytd only)-5.2247%4,576
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio80.7451%663
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*171.2329%58
Condition Ratios (%)
Loss allowance to loans0.0000%4,606
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets0.0000%4,635
Net loans and leases to deposits0.0000%4,634
Net loans and leases to core deposits0.0000%4,617
Total domestic deposits to total assets0.0000%4,674
Equity capital to assets94.3961%22
Core capital (leverage) ratio86.4682%44
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio466.9609%14
Memoranda:
Average total assets$25,247,0004,644
Average earning assets$18,209,8004,641
Average equity$23,886,4002,647
Average total loans$04,639
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.5962%4,654
Cost of funding earning assets0.0000%4,686
Net interest margin1.5962%4,629
Noninterest income to average assets45.6900%51
Noninterest expense to average assets32.5659%53
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets10.7133%43
Return on assets (ROA)10.7133%40
Pretax return on assets14.2550%40
Return on Equity (ROE)11.3200%2,261
Retained earnings to average equity (ytd only)11.3177%964
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio69.5541%1,816
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.0000%4,653
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets0.0000%4,679
Net loans and leases to deposits0.0000%4,678
Net loans and leases to core deposits0.0000%4,661
Total domestic deposits to total assets0.0000%4,716
Equity capital to assets94.7241%22
Core capital (leverage) ratio96.3361%23
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio483.0842%10
Memoranda:
Average total assets$25,674,5004,675
Average earning assets$18,210,0004,678
Average equity$24,303,5002,667
Average total loans$04,681